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AIG new car insurance quote

  • 29-08-2015 06:56PM
    #1
    bromley52
    Registered Users, Registered Users 2 Posts: 2,881 ✭✭✭


    I am looking to get a car insurance quote from AIG. One of their assumptions is that you are claims free for 6 years. Can anyone tell me if windscreen is seen as a claim? Cheers.
    Tagged:


Comments

  • #2
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    It is a claim, but one that insurers usually ignore for rating and acceptance purposes. Does it not say something like.........'other than windscreen claims.......'


  • #3
    bromley52
    Registered Users, Registered Users 2 Posts: 2,881 ✭✭✭bromley52


    To Elland Back wrote: »
    It is a claim, but one that insurers usually ignore for rating and acceptance purposes. Does it not say something like.........'other than windscreen claims.......'

    No it doesn't and I have not been able to find anything in the T&Cs etc. I will have to ring them on Monday. If I can't get a quote because of a simple windscreen claim...:mad:


  • #4
    Fuzzy Clam
    Closed Accounts Posts: 3,293 ✭✭✭Fuzzy Clam


    bromley52 wrote: »
    No it doesn't and I have not been able to find anything in the T&Cs etc. I will have to ring them on Monday. If I can't get a quote because of a simple windscreen claim...:mad:

    Windscreen cover is usualy free and does not affect your ncb. Never has for me.


  • #5
    bazz26
    Registered Users, Registered Users 2 Posts: 51,487 ✭✭✭✭bazz26


    Windscreen cover is not free, it still costs your insurance company money to replace a windscreen, just usually a bit cheaper than paying for it yourself. However a windscreen claim generally is not considered by most insurance company as a claim against your NCB even though it may be listed anyway. Best thing to do is ring them Monday for clarification though.


  • #6
    Seth Brundle
    Moderators, Politics Moderators Posts: 42,293 Mod ✭✭✭✭Seth Brundle


    Fuzzy Clam wrote: »
    Windscreen cover is usualy free and does not affect your ncb. Never has for me.

    But when asked if you have had a claim, you must reply "yes".


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  • #7
    Fuzzy Clam
    Closed Accounts Posts: 3,293 ✭✭✭Fuzzy Clam


    kbannon wrote: »
    But when asked if you have had a claim, you must reply "yes".

    Ive never been asked if ive made a claim. Only how many ncb years i have. :)


  • #8
    Seth Brundle
    Moderators, Politics Moderators Posts: 42,293 Mod ✭✭✭✭Seth Brundle


    Fuzzy Clam wrote: »
    Ive never been asked if ive made a claim. Only how many ncb years i have. :)

    Fair enough. I'm usually asked on the phone if I have any claims or convictions within the last X years.
    The websites usually ask something similar.


  • #9
    Chris_Heilong
    Registered Users, Registered Users 2 Posts: 4,974 ✭✭✭Chris_Heilong


    Its usually a question like "have you made a claim or been in an accident in the last 5 years?"


  • #10
    pippip
    Registered Users, Registered Users 2 Posts: 2,251 ✭✭✭pippip


    123.ie now ask "any claims in last 4yrs including windscreen"

    I clicked yes just to see and premium jumped €30.


  • #11
    To Elland Back
    Closed Accounts Posts: 1,923 ✭✭✭To Elland Back


    Fuzzy Clam wrote: »
    Windscreen cover is usualy free and does not affect your ncb. Never has for me.

    Whether it is free or affects your NCB is not the question. It is a claim.


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  • #12
    Fiskar
    Closed Accounts Posts: 1,599 ✭✭✭Fiskar


    bromley52 wrote: »
    I am looking to get a car insurance quote from AIG. One of their assumptions is that you are claims free for 6 years. Can anyone tell me if windscreen is seen as a claim? Cheers.

    Am with AIG with a windscreen claim. your NCD is not affected but it is recorded as a windscreen claim. Likewise when I went for quote with another insurer with this information on my NCD they quoted me but included 25 euro for the windscreen claim.


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